Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Lufkin Cash Connect, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

Lufkin Cash Connect is NOT a lender. We are not a direct lender. We are a free matching service that connects borrowers with third-party lenders and Credit Access Businesses (CABs). We do not make credit decisions, fund loans, or determine loan terms. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

We are not a direct lender. We are a free matching service that connects borrowers with third-party lenders and Credit Access Businesses (CABs). We do not make credit decisions, fund loans, or determine loan terms. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

Lenders in our network may perform non-traditional credit checks or check your credit through major bureaus to determine creditworthiness. Submitting a request does not guarantee approval. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR varies by lender and state. Short-term loans in Texas can have effective APRs exceeding 400% due to CAB fees. Always review your lender's specific disclosures.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. In Texas, short-term lending is typically conducted via Credit Access Businesses (CABs) governed by the Texas Office of Consumer Credit Commissioner (OCCC). Lenders may limit loan amounts based on your gross monthly income.

9. Limitation of Liability

Lufkin Cash Connect shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].